IFSC Code of Punjab National Bank, Ghal Kalan, Distt. Faridkot, , Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, GHAL KALAN, DISTT. FARIDKOT, , branch in GHAL KALAN ,DISTT-MOGA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0190500. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GHAL KALAN, DISTT. FARIDKOT, , branch, and detailed step-by-step guides for using the IFSC PUNB0190500 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, , is PUNB0190500. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 190500 map to this branch in GHAL KALAN ,DISTT-MOGA, PUNJAB.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghal Kalan, Distt. Faridkot, , branch — IFSC PUNB0190500 — extends the bank's services to customers in and around Ghal Kalan ,Distt-Moga, Punjab.

Branch details at a glance

Ghal Kalan, Distt. Faridkot, , branch overview

Located at VILL AND GHAL KALAN, the Ghal Kalan, Distt. Faridkot, , branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0190500 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's GHAL KALAN, DISTT. FARIDKOT, , branch came to be assigned the code PUNB0190500.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0190500, money simply cannot be routed to the GHAL KALAN, DISTT. FARIDKOT, , branch electronically.

Products and account variants supported

Every account opened at the Ghal Kalan, Distt. Faridkot, , branch is mapped to IFSC PUNB0190500 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab National Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PUNB0190500.

Products and services

Customers walking into the Ghal Kalan, Distt. Faridkot, , branch can access most of Punjab National Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PUNB0190500

How to transfer money using IFSC PUNB0190500

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0190500 across all three.

NEFT to Punjab National Bank, GHAL KALAN, DISTT. FARIDKOT, , using IFSC PUNB0190500

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0190500, and confirm that the system picks up Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, ,. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0190500

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, ,, ensure your bank's portal accepts IFSC PUNB0190500 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank GHAL KALAN, DISTT. FARIDKOT, , (IFSC PUNB0190500)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0190500 in your mobile or internet banking app, and the money is credited to the GHAL KALAN, DISTT. FARIDKOT, , branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0190500 for Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, ,, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ghal Kalan, Distt. Faridkot, , branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC PUNB0190500

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, , is still mapped to IFSC PUNB0190500. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0190500 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0190500

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GHAL KALAN, DISTT. FARIDKOT, , branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0190500 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0190500 and the account number together uniquely identify the Ghal Kalan, Distt. Faridkot, , branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – GHAL KALAN, DISTT. FARIDKOT, ,:

• The IFSC is exactly PUNB0190500 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and GHAL KALAN, DISTT. FARIDKOT, , as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Ghal Kalan, Distt. Faridkot, , branch

The branch is located at VILL AND GHAL KALAN, which puts it inside Ghal Kalan ,Distt-Moga, the broader Distt district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Ghal Kalan, Distt. Faridkot, , branch” — the verified location pin for IFSC PUNB0190500 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PUNB0190500 and your account number.

Verifying IFSC PUNB0190500 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0190500 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ghal Kalan, Distt. Faridkot, , are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0190500 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0190500 is the IFSC code of Punjab National Bank, GHAL KALAN, DISTT. FARIDKOT, , branch, in GHAL KALAN ,DISTT-MOGA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.